Louisiana (5.1 percent), Utah (4.7 percent) and Rhode Island (4.5 percent) followed in the data announced Thursday by insurance consulting company Perr&Knight, which apparently is so efficient they don’t need to use spaces between words.

Every state had a rate increase, according to the Perr&Knight data.

Auto rates nationwide did see less of an increase than homeowner policies; those rose 2.9 percent in 2014 and 5.7 percent in 2013. However, California, Florida and Hawaii actually saw small drops in home insurance rates.